Mr. Tomás O'Midheach:

The sample we have is limited but PIAB reported, and our report is broadly in line with PIAB, that the acceptance rate from the claimant has declined from 50% to 40%. They have chosen to go on into some form of litigation or pre-litigation settlement. It indicates claimants are somewhat more reluctant, which other parties referred to in their statements. There is an element of reluctance that causes us some caution. Claimants, by virtue of their decline from 50% acceptance to 40%, are at this point somewhat cautious.